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Loan Products

Personal Unsecured Loans

We offer personal unsecured loans for a minimum of $500.00 and a maximum of $10,000.00. Personal unsecured loans may be used for debt consolidation, college tuition, vacations and unlimited other purposes.

Overdraft Protection

Qualified applicants can obtain Overdraft Protection up to $1,000.00, when they open a checking account. This will protect you from merchant returned check charges and assist with any unforeseen circumstances. An honest mistake in your checkbook leaves you a little short? Your overdraft protection will activate and protect your good credit and reputation.

Automobile Loans

Our new and used auto loans are available with flexible terms and interest rates. We can pre-approve you before you go shopping for your vehicle. We offer 100% financing to qualified applicants for new vehicles* and 90% for used vehicles.*

*See Loan Rates

Share Secured Loans

Borrow your own funds and pay a very low interest rate on your loan! Share secured loans are available up to 95% of the balance in your main share or certificate of deposit account.

Share Secured Loans

Borrow your own funds and pay a very low interest rate on your loan! Share secured loans are available up to 95% of the balance in your main share or certificate of deposit account.

Home Equity Loans

We offer fixed rate Home Equity Loans from five to fifteen years, with competitive interest rates. Borrow up to 80% of your home’s appraised value including your first mortgage. Quick, Easy, No Closing Cost! Let the equity in your home work for you. Borrow for a remodeling project, vacation, education or even bill consolidation.

Other Secured Loans

Other secured loans can be used for the purchase of your next motorcycle, ATV, boat, snowmobile or recreational vehicle. The Credit Union understands that when our members work hard they also need to be able to play hard. Come see us to finance your next recreational item!

Visa Credit Cards

An Andover Federal Credit Union VISA credit card is easy to use "No cash advance fees." A low 9.99% and no annual fee allow you to save money while making your everyday purchases. Credit lines are available from $500.00 to $15,000.00.